Decided to cut losses and went on a mini app spree.

[Anonymous]

Can't seem to get the freedom card if my life depended on it, so cut my losses and app'd for Discover it, USAA Limitless and the NFCU plat.

Approved for all 3 instantly:

NFCU Plat ($17.6k)

USAA Limitless ($6k)

Discover It ($3k)

Previous cards:

CSR ($10k)

FU (4.5k)

Amazon Prime Rewards Visa ($1.5)

AMEX BCE ($2k)

[Anonymous]

I like that your new cards branch out your credit card portfolio. If those were your only 4 cards, 75% of them were with Chase. Yikes. Nice job on adding NFCU, USAA and Discover in there!

Are you cold apping for Freedom or are you're seeing it in Your Offers section? Why are they denying it? It is just a matter of waiting for your 3 other Chase accounts to age?  

On a side note, you appear to like cash back cards. Have you looked into Bispay? It's a straight forward 2% cash back as a statement credit. No mimimum redemptions. Only reports to Experian. I'm using them as my everyday card until I can add the CSP and get my own trifecta going. I took the FU offer two months ago and waiting for CSP to appear again. 

[Anonymous]

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@Anonymous wrote:

I like that your new cards branch out your credit card portfolio. If those were your only 4 cards, 75% of them were with Chase. Yikes. Nice job on adding NFCU, USAA and Discover in there!

Are you cold apping for Freedom or are you're seeing it in Your Offers section? Why are they denying it? It is just a matter of waiting for your 3 other Chase accounts to age?  

On a side note, you appear to like cash back cards. Have you looked into Bispay? It's a straight forward 2% cash back as a statement credit. No mimimum redemptions. Only reports to Experian. I'm using them as my everyday card until I can add the CSP and get my own trifecta going. I took the FU offer two months ago and waiting for CSP to appear again. 

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I have been cold apping, and the reason I keep getting is too many new chase products with too short of a revolving account history (first credit card ever was the Amazon Prime Rewards visa in December of 2016). The reason why I decided to forget about the freedom now is because realizing 75% and if I got the freedom even more of my current cards would have been chase giving them a lot of power over me. Also I honestly prefer travel rewards cards and chase will recieve 99% of my spending, the other cards are simply to build history with each company, and I will not be putting enough spend through them to accumulate usable rewards points or to justify anual fees. Also I didn't get the amex ed since I will be using my chase cards for all of my spending so wouldn't hit the transaction limit for bonus points). I will be putting only a few transactions a year on every card besides my chase cards so anual fee's would make no sense.

The only exception to this rule is I want and will use the Prestige a lot for all hotel bookings, but am going to garden until I can get a large limit when I apply. It will be silly apping now to get a limit that may not cover a hotel booking haha. If chase ever does me wrong, I will get the Plat and EDP go over to AMEX giving them 99% of my spending.

Will try to grab the freedom again in a few months if I see a pre approval in branch, or fall under 5/24 (by that time I definitely will have accumulated history haha).

Also the USAA limitless was a strategic grab for me so I have a 2.5% flat cashback card before they take away such a nice item, though I probably won't use it much as I value travel rewards.

[Anonymous]

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@Anonymous wrote:

I like that your new cards branch out your credit card portfolio. If those were your only 4 cards, 75% of them were with Chase. Yikes. Nice job on adding NFCU, USAA and Discover in there!

Are you cold apping for Freedom or are you're seeing it in Your Offers section? Why are they denying it? It is just a matter of waiting for your 3 other Chase accounts to age?  

On a side note, you appear to like cash back cards. Have you looked into Bispay? It's a straight forward 2% cash back as a statement credit. No mimimum redemptions. Only reports to Experian. I'm using them as my everyday card until I can add the CSP and get my own trifecta going. I took the FU offer two months ago and waiting for CSP to appear again. 

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I hope the CSP appears for you soon with a nice sign up bonus

[Anonymous]

Gotcha. You just have to wait it out for it to appear in your offers. When that happens, go to a branch. Those sign up bonuses are usually better than online. I'm legitimately planning a trip to Chicago and will make it a point to stop at a branch cause we don't have any where I live. I wonder who's going to get their offer first, me with my CSP or you with your Freedom Wasn't familiar with the USAA Limitless card. That's a better flat cashback card than what I can currently get as a lowly civilian  

You're doing well for yourself. Keep it up. 

[Anonymous]

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@Anonymous wrote:

I like that your new cards branch out your credit card portfolio. If those were your only 4 cards, 75% of them were with Chase. Yikes. Nice job on adding NFCU, USAA and Discover in there!

Are you cold apping for Freedom or are you're seeing it in Your Offers section? Why are they denying it? It is just a matter of waiting for your 3 other Chase accounts to age?  

On a side note, you appear to like cash back cards. Have you looked into Bispay? It's a straight forward 2% cash back as a statement credit. No mimimum redemptions. Only reports to Experian. I'm using them as my everyday card until I can add the CSP and get my own trifecta going. I took the FU offer two months ago and waiting for CSP to appear again. 

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+1. Way to diversify your portfolio. Congratulations on your approvals!!

[UncleB]

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@Anonymous wrote:

Can't seem to get the freedom card if my life depended on it, so cut my losses and app'd for Discover it, USAA Limitless and the NFCU plat.

Approved for all 3 instantly:

NFCU Plat ($17.6k)

USAA Limitless ($6k)

Discover It ($3k)

Previous cards:

CSR ($10k)

FU (4.5k)

Amazon Prime Rewards Visa ($1.5)

AMEX BCE ($2k)

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Congrats on the new additions! 

I got the USAA Limitless a few months ago, and it's quickly becoming one of my favorites... you're going to love it! 

[AverageJoesCredit]

Your portfolio of credit cards for only 6 months is insane. The quality of your cards since getting your first credit card is incredible. Definitrly getting something other than Chase is smart in that diversification is a must. Well done!

[Anonymous]

Kind of on topic.... kind of not. How long does it take for chase to start giving preapprocals once you become a customer?

Op.... congrats on your approvals

[Anonymous]

Congradulations!

You're in the same boat I am.  Chase denied me twice, I figured they can suck on a lemon for a while and I go play the rest of the field.  But they do seem to want a well established history.  It will be Feb '18 until I can play the Chase game again!